outcome_data | failure_reason | incorrect_address | hard | Address verification failed | 2059 | incorrect_zip | N7 | AVS_FAILED |
| | contact_bank | hard | Hard errors originating from the issuing bank | 2044, 2041, 2043, 2020 | call_issuer, do_not_try_again, no_action_taken | 60, 70, 01 | CONTACT_PROCESSOR |
| | expired_card | hard | Card expiry information is incorrect | 2004 | expired_card, invalid_expiry_month, invalid_expiry_year | 54, 101 | EXPIRED_CARD |
| | processor_declined | soft | Card was declined by issuing bank but can retry | 2038, 2109-2999 | processing_error | | PROCESSOR_DECLINED |
| | insufficient_funds | soft | Not enough funds to cover transaction amount | 2001 | insufficient_funds | 51, 116 | INSUFFICIENT_FUND |
| | lost_stolen_card | hard | Card has been reported lost or stolen | 2012, 2013, 2047, 2053 | pickup_card, stolen_card, restricted_card, lost_card | 41, 43, 04, 07, 200 | STOLEN_LOST_CARD |
| | issuer_unavailable | hard | Submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. | 2009 | issuer_not_available | 15, 91, 912 | ISSUER_UNAVAILABLE |
| | incorrect_cvv | hard | Card verification value failed validation | 2060, 2010 | incorrect_cvc, invalid_cvc | 82, N7 | CVN_NOT_MATCH, INVALID_CVN, CV_FAILED |
| | card_limit_exceeded | soft | Credit limit or activity limit exceeded | 2002, 2003 | card_velocity_exceeded, withdrawal_count_limit_exceeded | 61, 65 | EXCEEDS_CREDIT_LIMIT |
| | fraud_suspected | hard | Fraud suspected or security violation | 2085, 2014, 2077, 2021 | merchant_blacklist, fraudulent, security_violation | 59, 83, 59, 63 | BLACKLISTED_CUSTOMER, SUSPENDED_ACCOUNT, DECISION_PROFILE_REJECT, SCORE_EXCEEDS_THRESHOLD, DECISION_PROFILE_REVIEW, CUSTOMER_WATCHLIST_MATCH, ADDRESS_COUNTRY_WATCHLIST_MATCH, EMAIL_COUNTRY_WATCHLIST_MATCH, IP_COUNTRY_WATCHLIST_MATCH |
| | invalid_account | hard | Submitted card number is invalid or account does not exist | 2005, 2007, 2075 | invalid_account, invalid_number, incorrect_number | 14, 111, 78 | INVALID_ACCOUNT |
| | do_not_honor | soft | The customer's bank is unwilling to accept the transaction | 2000, 2046, 2105, 2106 | generic_decline, do_not_honor, reenter_transaction, try_again_later | 79, 05 | GENERAL_DECLINE |
| | cardholder_authentication_required | soft | The customer's bank declined the transaction because a 3D Secure authentication was not successfully completed | 2099 | authentication_required | 1A | PENDING_AUTHENTICATION, CONSUMER_AUTHENTICATION_REQUIRED, CONSUMER_AUTHENTICATION_FAILED |
| | closed_card | hard | Account is closed | 2108 | new_account_information_available | 46 | |
| | transaction_not_allowed | hard | Transaction was denied, refer to the gateway for more details | 2074, 2015, 2019, 2018, 2076, 2070, 2107 | card_not_supported, not_permitted, revocation_of_all_authorizations, revocation_of_authorization, service_not_allowed, stop_payment_order, transaction_not_allowed | 57, 12, 93 | |
| | invalid_merchant_configuration | soft | Invalid merchant configuration, refer to the gateway for more details | 2026, 2068 | | 77, 76, 03 | |
| | restricted_card | soft | Issuer or Cardholder has put a restriction on the card | 2057 | restricted_card | 62 | |
| | amount_not_supported | soft | The authorized amount is set to zero, is unreadable, or exceeds the allowable amount. | 2048 | invalid_amount | | |
| | currency_not_supported | soft | | | currency_not_supported | | |
| | duplicate_transaction | soft | The gateway flagged the transaction as a duplicate | 2016, 2069 | duplicate_transaction | | |